Farm & Agribusiness Insurance
Insurance cover built
around your Farm
A farm brings a home, sheds, machinery, livestock, people and income together on one property. We start by understanding how yours actually works, then look at where your current cover might be out of step with it.
-
Member of Steadfast,
Australia's largest broker group
- AFSL 237572
-
Insurance Brokers Code of
Practice subscriber
Farm & agribusiness experience
A dairy operation that needed more than an off-the-shelf policy
“At Maleny Dairies our business is varied so it has always been a little complicated to find insurance that met our requirements. TIC Insurance Brokers have been great to deal with from the start and took the time to learn our business and find the best cover at competitive prices. I would highly recommend them for your insurance needs.”
Find your operation
Which best describes your operation?
Here’s a starting point for the three we see most often.
Hobby & Lifestyle Farms
A bigger block, a shed and some fencing, maybe a few animals – more than a standard home, but not a commercial operation.
- Home & contents
- Sheds & outbuildings
- Fencing & small machinery
- Domestic livestock
- Public liability
Working Commercial Farms
Dairy, cattle, cropping or mixed farming, where the property is also the business that supports the family.
- Farm buildings & fencing
- Machinery, plant & vehicles
- Livestock & crops
- Business interruption
- Liability
Agribusiness & Larger Enterprises
- Property across sites
- Fleet & machinery
- Product & management liability
- Goods in transit
- Cyber & business interruption
How we look at it
One operation.
A lot of moving parts.
Property, machinery, livestock, vehicles, people and income don’t sit in separate boxes on a working farm – a problem in one usually reaches into another. That connected view is what a broker review is for, rather than working through an insurance checklist product by product.
Find your operation
Which best describes your operation?
Farms don’t all carry the same risks.
Here’s a starting point for the three we see most often.
Storm or bushfire damage
To fencing, sheds or outbuildings – the kind of event worth checking your current policy against before it happens.
Machinery breakdown
At a time-critical point like harvest or calving – options may be available for the cost of hiring a replacement.
Livestock leaving the property
Onto a road or neighbouring land – liability exposures like this are worth a specific conversation with a broker.
Chemical or spray drift
Affecting a neighbouring crop or property – worth reviewing whether your liability cover addresses this.
Theft from the property
Goods lost or damaged in transit
Between sites, to market, or to a processor – a common gap for operations moving stock, produce or equipment regularly.
These are examples of exposures we discuss with farm clients – not a list of what any specific policy covers.
Actual cover always depends on the policy wording, insurer and options you choose.
Find your operation
Why talk to a broker about your
farm insurance?
01
We learn how the operation works
Before we talk about policies, we ask what’s actually on the property, who’s involved, and what a bad day would look like for the business.
02
We explore suitable options
As your broker, we source and compare policies across insurers, rather than offering a single product from one provider.
03
We help you understand the differences
Exclusions, limits, excesses and extensions matter as much as price. We talk you through what actually separates one policy from another.
04
We're there when you need to claim
Our role doesn’t end at policy purchase — we act as your advocate through lodgement, negotiation and settlement.
Find your operation
Why talk to a broker about your
farm insurance?
01
We learn how the operation works
Before we talk about policies, we ask what’s actually on the property, who’s involved, and what a bad day would look like for the business.
02
We explore suitable options
As your broker, we source and compare policies across insurers, rather than offering a single product from one provider.
03
We help you understand the differences
Exclusions, limits, excesses and extensions matter as much as price. We talk you through what actually separates one policy from another.
04
We're there when you need to claim
Our role doesn’t end at policy purchase — we act as your advocate through lodgement, negotiation and settlement.
Time for a check-in?
Has the farm changed since your last insurance review?
A lot can shift on a working property without anyone getting around to updating the insurance. If any of this sounds familiar, it’s worth a conversation.
- New machinery
- More sheds or infrastructure
- More livestock
- A new property
- New employees
- Started contracting
- Increased production
- Changed transport needs
Common questions
Farm insurance questions
A standard home policy is built around a house on a residential block. Once a property includes sheds, fencing, small machinery or animals beyond ordinary pets, those items typically sit outside what a home policy is designed to respond to. A review can look at what your property actually includes and where a home policy may fall short of it.
No. Cover for crops and livestock depends on the policy and insurer, and is generally arranged as a specific option rather than an automatic inclusion. It’s worth confirming exactly what’s included, and what isn’t, rather than assuming either way.
Valuation and settlement basis (for example, new-for-old versus market value) vary between policies and insurers. This is one of the details we go through during a review, since it affects what you’d actually receive if a piece of machinery was written off.
Sometimes, depending on the operation and the insurer. In other cases it makes more sense to arrange them separately. Which approach suits you depends on the mix of domestic and business use across the property.
To start, just your current policy if you have one, and a rough picture of what’s on the property – buildings, machinery, livestock, vehicles, and roughly how many people work there. We’ll ask for more detail as needed once we understand the operation.
Any time the operation changes – new machinery, more sheds, more livestock, another property, new staff or contractors, or a shift in what you produce. Renewal is also a natural checkpoint, even if nothing has obviously changed.
A broker works on your behalf, not an insurer’s. That means reviewing your risks, comparing options across insurers, explaining the differences between policies, and acting as your advocate if you ever need to claim.
Get started
Request a Farm Insurance Review
Tell us a little about the property. No sums insured or machinery schedules needed yet — that’s part of the conversation, not the form.
- This starts a conversation with a broker — it isn't an application or a quote, and we won't ask for detailed underwriting information upfront. Your details are handled in line with TIC's Privacy Policy.
Get started
Request a Farm Insurance Review
Tell us a little about the property. No sums insured or machinery schedules needed yet – that’s part of the conversation, not the form.
Ready when you are
Your farm has changed.
Has your insurance kept up?
- This starts a conversation with a broker - it isn't an application or a quote, and we won't ask for detailed underwriting information upfront. Your details are handled in line with TIC's Privacy Policy.